• Travel Insurance Blog

  • Sunday, July 23, 2017

  • Jane’s Adventures with Travel Insurance-I: Riding on Riders

    Filed Under: Blogging


Jane Wanderlust (say) is a young woman who wants to see the world. From hiking the mountains of Kilimanjaro to snorkeling off the Great Barrier Reef, she is simply excited by travel and the adventures it brings. She is always careful to not just purchase international travel medical insurance, but also additional hazardous sports coverage, since most of her trips contain some element of what would be considered “hazardous sports.”

This time around, Jane is considering a holiday on the beach with some friends of hers. They’re planning a few recreational activities, no more: jet skiing, some scuba diving and some snorkeling. Having traveled a lot with travel insurance in tow, she knows that these activities will not be covered by her basic Patriot Group medical travel insurance plan.

But the plan offers two separate coverage options for sports: the Leisure Sports Rider and the Extreme Sports Rider. All of Jane’s proposed activities fall under the Leisure Sports Rider. The Extreme Sports Rider includes sports such as bungee jumping, mountain biking, paragliding, rappelling, rock climbing, and whitewater rafting.

If Jane had planned one or more of the Extreme Sports, she might have had to purchase two separate riders, and might have wanted to look for a plan that covered all the sports under one rider.

Travel tip: if you’re not sure whether your trip will include any of these activities, but you’d like to try, you’ll probably be fine with the Leisure Sports Rider.

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